Polish individual investors are increasingly focusing on AI – usage increases by one third year-on-year

The latest study Individual Investor Pulse conducted by an investment platform eToro shows that Polish individual investors do not lag behind global trends and are increasingly willing to use artificial intelligence when building investment portfolios.

In a nutshell:

• 20% of Polish investors use AI tools to build their portfolios – one-third more than in Q3 2024.
• Millennials lead the way in AI adoption (24%), representing a 60% year-on-year increase
• ETFs (25%) arouse the greatest interest in investor education, followed by cryptocurrencies (24%) and AI (18%), which highlights the specificity of the Polish market.

A study of 11 individual investors from 13 countries found that 20% of Poles now use AI tools to select or modify investments in their portfolios, up from 15% a year earlier. Interestingly, the percentage of people declaring they do not intend to use AI remained unchanged (25%), while the share of those who are open to it but not yet using it decreased (from 46% to 44%) and those who are undecided (from 14% to 11%).

Generational Differences in AI Adoption

The analysis reveals clear differences between generations. Millennials and Generation Z demonstrate the greatest trust in AI. Among Millennials, 24% use AI (a 60% increase year-on-year), while among Gen Z, this percentage remained stable (23% compared to 24% a year earlier). However, the most dynamic growth was recorded among Generation X investors – from 12% in 2024 to 19% in 2025 (a 58% increase).

The most frequently cited reason for using AI is saving time on analysis (41%). Thirty-seven percent of respondents consider AI to be the future of investing, 28 percent believe AI will make better choices than human fund managers, and 26 percent emphasize its cost advantage over traditional services.

When asked why they are open to entrusting the choice artificial intelligence investments, Polish individual investors responded:

eToro analyst Paweł Majtkowski comments on the results:

Artificial intelligence has taken the world of investing by storm. It not only provides us with data but also increasingly supports investment decision-making. It's particularly effective in portfolio construction, where its effectiveness grows year after year. Furthermore, the most important AI models easily pass the CFA exam—a key test for financial managers and the equivalent of the Polish investment advisor exam.

Polish investors: technology and proven strategies

According to the Puls Inwestora Indywidualnego report for Q3 2025, AI is one of the three topics that Polish individual investors want to explore in the next 12 months. ETFs (25%), closely followed by cryptoassets and blockchain (24%), and then AI (18%). Subsequently, there were bonds and fixed income instruments (17%), real estate (15%), and macroeconomic analysis (15%).

ETFs are particularly popular among Millennials (29%), Generation X (27%), and Generation Z (26%), while Baby Boomers show significantly less interest (11%). Gen Z, in turn, is more interested in real estate (21%), and Boomers are more interested in bonds (27%).

Paweł Majtkowski adds:

Polish investors still have a lot of learning to do. For most, the biggest investment opportunity remains ETFs, which are still much less popular in Poland than in Western Europe. Among the older generation, this topic generates less interest, as many have already tested this form of investing as an alternative to traditional investment funds. Cryptoassets came close behind ETFs, and only then came artificial intelligence.

AI stabilizes, crypto leads long term

Although the report shows that individual investors are ready to use AI in practice, expectations regarding the performance of technology companies have become more subdued: 44% of respondents expect AI stock prices to stabilize in 2025, 30% to see an increase, and only 18% to see a decline.

In the long term, although digital transformation (AI, cloud) remains one of the main investment topics (29%), the leading cryptocurrency and digital payments (40%), and robotics and automation (30%). Other important areas include an aging population (27%), green technologies and energy transition (21%), and a growing middle class (21%).

Paweł Majtkowski summarizes:

Artificial intelligence has quickly become a key investment trend, but enthusiasm for AI stocks is beginning to stabilize, and investors are approaching them with greater realism. In the long term, however, Polish investors see greater potential in cryptoassets and digital payments, which are clearly ahead of other topics. Robotics and automation are also gaining ground, demonstrating growing interest in solutions more closely linked to the real economy. Demographic changes and the energy transition, which are among the most important challenges facing the Polish economy, are also increasingly being taken into account.